What are the Document Required for Ujjivan Home Loan Documents?

I was not aware of the paperwork needed when I decided to apply for a home loan from the Ujjivan Small Finance Bank. I asked my buddy over the phone regarding the

Ujjivan home loan documents

. This is what he informed me. 

Ujjivan Small Finance Bank Home Loan Documents Required

He informed me that to streamline the loan application process, having the right documents is crucial.

Here’s a comprehensive list of documents typically required for an Ujjivan home loan:

1. Proof of Identity:

   • Aadhaar Card

   • Passport

   • Voter ID Card

   • Driving License

   • PAN Card

2. Proof of Address:

   • Aadhaar Card

   • Utility Bills (Electricity, Water, Gas) not older than 3 months

   • Passport

   • Rent Agreement (if applicable)

3. Proof of Age:

   • Birth Certificate

   • Passport

   • School Leaving Certificate

   • PAN Card

4. Income Proof:

   • For Salaried Individuals:

     • Salary slips for the last 3 to 6 months

     • Form 16 or Income Tax Returns for the last 2 years

     • Bank statements for the last 6 months showing salary credits

   • For Self-Employed Professionals:

     • Income Tax Returns with computation of income for the last 2 to 3 years

     • Audited financial statements (Profit & Loss Account and Balance Sheet)

     • Bank statements for the last 12 months

5. Property Documents:

   • Agreement to Sell or Sale Deed

   • Title Deeds of the Plot (for construction loans)

   • Approved Building Plan and Floor Plan

   • Occupancy Certificate or Completion Certificate (for ready properties)

   • Allotment Letter from the Builder or Housing Board

6. Employment Proof (for salaried individuals):

   • Appointment Letter

   • Employment Certificate from the employer

   • Experience Letters from previous employers (if applicable)

7. Photographs

   :

   Recent passport-sized photographs (usually 2 to 4 copies)

8. Bank Statements: Bank statements for the last 6 to 12 months reflecting financial transactions

9. Other Documents:

   • Cheque for processing fee

   • Loan account statement for the past year (if transferring an existing loan)

   • Declaration of existing loans and liabilities

He further added that having these documents organised and ready will facilitate a smoother application process for an Ujjivan home loan.  I hope you found this answer helpful.

Read more